David R. Carothers, CIC, CRM, CWCA

Visionary
DISC Type : Ds

Founder at Margin Shield

Tampa, Florida, United States

Overview

David is the Principal of Florida Risk Partners, where he implements innovative risk management systems. He is a Certified Risk Manager (CRM) and has founded multiple ventures, including Margin Shield. Colleagues and clients describe him as innovative, dynamic, and knowledgeable, with unmatched expertise in the middle-market insurance space.

Outside of his primary role, David is a published author and podcast host dedicated to sharing his industry insights. He demonstrates a strong commitment to community advocacy, serving as a Board Member for Quest, Inc. , an organization that supports children and adults with developmental disabilities.

Unique fact: David has authored multiple books on industry topics, including "The Extra 2 Minutes: How to Lead More and Manage Less. "

Personality Overview

Big Vision Person

Risk Tolerant

Fast But Thoughtful

They exhibit a rare combination of being result-oriented but patient at the same time.  They might take some time to make their mind up but once they do, they don't change it easily. They are very professional in their approach and can weigh multiple perspectives together.

Topics They Care About

Innovative Risk Management
He created Margin Shield, a purpose-built risk management and profitability framework that goes beyond traditional insurance to protect business success.
Insurance Sales Coaching
As the founder of Killing Commercial Insurance Sales Training, he actively coaches and trains insurance professionals on growing their book of business.
Community Advocacy
He serves on the board of Quest, Inc. , a non-profit dedicated to transforming the lives of individuals with developmental disabilities.

Media Appearances

The Profit Protection Summit brought to you by Margin Shield. Featured in Facebook

See Now

Work History

12-2025
Founder at Margin Shield
2-2025
Co-Founder at Beyond the Stares
1-2025
Board Member at Quest, Inc.
6-2016
Principal at Florida Risk Partners
2-2020
Founder at Killing Commercial Insurance Sales Training

Education

1997 - 2001
Bachelor of Science from Birmingham-Southern College
1991 - 1994
Business from Alderson Broaddus University

More Information

Social Presence :

Prographics :

Exp : 9 Location : Tampa, Florida, United States Job Level : Leadership Designation : Founder at Margin Shield
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Insights For Selling To David R.

During A Call Or A Meeting

DO's

  • Come across as a trustworthy professional and be respectful, they usually know their game
  • During followups, use phone or text if needed, they should be fine
  • You can spend time on BANT (or other qualification methodology) but keep it to the point

DONT's

  • Don't go over them unless you are left with no other option
  • Don't take their patience for granted, avoid long-winding sermons
  • Don't focus too much on mutual contacts or bother about other stakeholders, focus on them

When Cold Calling

When Writing An Email

While Negotiating & Closing

    The secret to closing fast with David R. is

  • Strong proof of impact and their conviction will matter the most, but they wouldn't want to act unilaterally either
  • Will you ever get a clear answer from David R.

  • They will say no if they are not convinced but you will have to prompt them.

Insights For Deal Planning

    How fast (or slow) will David R. move?

  • They will want to understand things well but can move fast once they have a clear picture.
  • Can David R. take some risk or not?

  • They have good risk tolerance but are likely to think it through once or twice.

You And David R.

Personality Compatibility


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